Wellington, KS · Cert 4796 · Tri-County Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 0.3% share · #38 of 46 inst. · $0.1B of $23.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.42% | 0.56% | 0.88% | 0.37% | 0.43% | 0.46% | 0.69% | -19 bps | |
| Return on Equity | 10.45% | 8.43% | 12.10% | 17.80% | 6.57% | 7.21% | 7.88% | 11.73% | -608 bps | |
| Net Interest Margin | 2.81% | 2.47% | 2.87% | 3.03% | 2.86% | 2.95% | 2.98% | 3.16% | +12 bps | |
| Efficiency Ratio | 80.39% | 81.36% | 76.11% | 66.53% | 85.39% | 83.01% | 76.37% | 73.84% | +731 bps | |
| Non-Interest Burden | 2.19% | 1.94% | 2.12% | 1.90% | 2.41% | 2.39% | 2.20% | 2.21% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.13% | 1.65% | -0.85% | -7.99% | -0.54% | 4.07% | 1.67% | 6.52% | +1,451 bps | |
| Loan Growth (YoY) | 0.86% | 0.13% | 0.55% | -4.00% | -3.10% | -5.98% | -7.47% | -5.24% | -124 bps | |
| Deposit Growth (YoY) | 2.30% | 1.50% | -1.65% | -9.16% | -1.11% | 2.52% | 0.50% | 5.79% | +1,495 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.98% | 1.23% | 2.23% | 1.94% | 2.66% | 1.98% | 1.93% | 1.17% | -77 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | -0.06% | 0.00% | 0.07% | 0.25% | 0.00% | +6 bps | |
| Allowance / Loans | 0.81% | 0.80% | 0.83% | 0.90% | 0.89% | 0.89% | 0.89% | 0.95% | +5 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.4x | 0.5x | 0.3x | 0.4x | 0.5x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.30% | 8.81% | 8.62% | 8.75% | 9.13% | 8.83% | 8.58% | 8.84% | +10 bps | |
| Total Risk-Based Capital | 17.50% | 17.41% | 17.46% | 18.24% | 18.22% | 18.56% | 19.01% | 19.85% | +161 bps | |
| Equity / Assets | 5.52% | 4.36% | 4.87% | 5.05% | 6.09% | 5.85% | 5.95% | 5.84% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.28% | 50.42% | 50.35% | 50.73% | 51.23% | 46.24% | 46.35% | 45.44% | -529 bps | |
| Liquid Assets / Assets | 0.21% | 0.19% | 0.18% | 0.19% | 0.17% | 0.15% | 2.90% | 2.54% | +236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 44.13% | 45.03% | 41.43% | n/a | n/a | |